> For the complete documentation index, see [llms.txt](https://docs.mehticpay.ng/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.mehticpay.ng/readme.md).

# MehticPay Business API

Integrate business wallets, transfers, payment links, terminals and Web3 collections with MehticPay.

Build business payment integrations with the MehticPay public merchant API. Read balances and transactions, manage recipients and collection terminals, initiate transfers, create hosted payment links, and collect supported blockchain assets.

Start with the [quickstart](/getting-started/quickstart.md), then configure [authentication](/getting-started/authentication.md) and [API-key permissions](/getting-started/permissions.md).

## Choose an integration

| Goal                            | Guide                                                           | API reference                                                                                                                |
| ------------------------------- | --------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------- |
| Read your business and balances | [Quickstart](/getting-started/quickstart.md)                    | [Business](/api-reference/business.md), [wallets](/api-reference/wallets.md)                                                 |
| Pay bank recipients             | [Bank transfers](/integration-guides/bank-transfers.md)         | [Banks](/api-reference/banks.md), [beneficiaries](/api-reference/beneficiaries.md), [transfers](/api-reference/transfers.md) |
| Accept payments through a link  | [Collect payments](/integration-guides/collect-payments.md)     | [Payment links](/api-reference/payment-links.md), [checkout](/api-reference/checkout.md)                                     |
| Collect blockchain payments     | [Web3 collections](/integration-guides/web3.md)                 | [Web3 API](/api-reference/web3.md)                                                                                           |
| Reconcile activity              | [Callbacks and reconciliation](/integration-guides/webhooks.md) | [Transactions](/api-reference/transactions.md)                                                                               |
| Manage collection points        | [Terminal reference](/api-reference/terminals.md)               | [Terminal wallets](/api-reference/wallets.md)                                                                                |

## API scope

The public integration endpoints start with `/api/merchant`. Supporting payer endpoints start with `/api/checkout` and do not require merchant credentials. The business dashboard uses separate `/api/business` session routes; login, key administration, 2FA enrollment, payroll and device management are outside this public API reference.

Confirm your API base URL with MehticPay before making requests. `https://docs.mehticpay.ng` hosts the documentation; it is not the API base URL. The examples deliberately use a configurable API origin. See [environments](/getting-started/environments.md).

## Reference and downloads

This documentation covers all **37 merchant operations** and **5 public checkout operations** registered in the repository as reviewed on **26 October 2026**. It describes the checked-out implementation; deployment availability and account access must be confirmed separately.

* [Response conventions and errors](/getting-started/conventions.md)
* [Data models](/api-reference/models.md)
* [OpenAPI specification and Postman collection](/resources/downloads.md)

All identifiers, names, addresses and amounts in examples are fictional. Contact **<technical@mehtictech.com>** for integration help and **<helpline@mehtictech.com>** for account access issues. Include the HTTP method, path, response status and transaction reference when reporting a problem; omit credentials and authentication codes.